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Recently I outlined some of the top trends I see in retail today. They all have something in common, and it’s a common theme within the marketplace and the media coverage of our industry: Digital Transformation. The reason digital transformation is so important right now is obvious: smartphone-enabled consumers gather information and shop anytime, anywhere...

Three Strategies to Transform Bank Branches I’ve read many articles about the death of bank branches since I started in the industry more than 30 years ago. Since then, my position hasn’t wavered much: Bank branches aren’t going away—but they must change. Why? Three reasons: For most banks, branch networks are the first or second...